Top 10 Cheapest Motorcycles To Insure

Standards – Triumph Speed Triple

When it comes to big displacement standards, the Triumph Speed Triple narrowly edged out bikes like the Kawasaki Z1000 and Ninja 1000, Yamaha FZ8 and Suzuki GSX1250FA (aka Bandit). There was some discrepancy between the different insurance companies we researched, but on average the Trumpet came out as the best bargain versus the competition. With one of our favorite street engines, impressive handling, and fairly comfortable ergos, we’re big fans of the Speed Triple ourselves.

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Top Insurance Providers

Allstate Motorcycle Insurance

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http://www.facebook.com/james.crass James Crass

could’ve picked bikes produced Since 1999 to even out the spread a little (and left out super sports as we all know they are the most expensive, although the mixture is nice, a comparative list comprising of Non-super sport bikes 99-current “could” be more subjective

This has really helped me decide on which motorcycle I want to buy. Living in the Mtn. West, riding a bike is only possible for about half of the year. A motorcycle always has to be your 2nd mode of travel and that’s why finding one that is cheap to insure is huge in my book.

For calendar year 2011, the National Insurance Crime Bureau tracked a number of statistics regarding motorcycle theft, including the top 10 stolen brands and the top 10 states for theft. Those lists can be found elsewhere on this site. Here, we list the top 10 months for motorcycle theft based on the NICB findings. In ascending order, they are:

Recently, we published a story on the least expensive motorcycles to insure. In it, the bikes were broken down by category, knowing that consumers aren’t interested in a list entirely of small-displacement beginner bikes. We also kept the list to current models (2013 in this case) available in the United States.
This time we’re going the other direction. Here we have the Top Ten most expensive motorcycles to insure. Yes, we could have listed ten uber-expensive and super-rare motorcycles which cost a fortune to insure, but in the name of practicality this list is comprised of mass produced 2013 models the majority of folks can actually buy.
Again, we averaged quotes from different insurance providers to come up with our rankings. Our fictitious rider is a 30 year-old male, licensed for ten years, with a clean record living in Los Angeles. As always, shop around with your own and other insurance providers to get rate quotes tailored for you and your situation.

Where you live is one of the most important factors insurance companies use in determining your premium. Why? As with age, experience, the type of bike you ride and every other factor considered in computing your rate, where you live comes into the equation for one simple reason: risk.
Statistics show that some areas have higher crime rates than others. So if a higher crime rate equals a higher risk of damage to or loss of your property, it will cost you more to insure anything you own. And that includes your motorcycle. If your motorcycle resides in a location where statistics prove it’s at a greater risk for damage or theft, insurance companies are going to want you to pay a higher premium for coverage.
Overall, 2011 saw 46,667 motorcycle thefts in the US (including Puerto Rico and Washington D.C.), according to the National Insurance Crime Bureau (NICB). Interestingly, that number is down 6% from the prior year – welcome news, as the Motorcycle Industry Council says total motorcycle sales are on the rise, albeit slightly (0.3%).
The list below shows the Top 10 states with the highest rate of motorcycle theft in 2011 (Total number of thefts and most targeted brand in parentheses). Worth noting: these 10 states accounted for 25,983 thefts in 2011 – fully 56% of the total. If you’re trying to insure a bike in one of these states, expect to pay more. Still, experts say things like keeping your motorcycle garaged and hooking up a recovery system such as LoJack will have a positive effect on your premium.

Motorcycle insurance is a slippery subject. With so many options for coverage, it’s hard to keep track of every kind of policy. However, if you live in the States you gotta have at least bodily injury and property damage liability coverage before legally operating your motorcycle. But getting insurance doesn’t have to break the bank.